Did you not read anything in the post I made following one of yours? It shows an actual note printed in Reno and would be an example of what Ole Cowboy is referring to--locally printed paper currency that is not uniformly accepted across the country at that time. It was quite common in the Western states at that time.Nothing in my posts quoted by you supports anything you claim. You're wrong, your pappy was wrong and whoever told HIM that story was wrong.
Further, nowhere ever in literature, eyewitness account, song, folk tale, movie, stage play has any character ever been saying "hang on, I need to change my state bucks for federal money."
Conversely, if you slap a stamp on a letter, it will get transported to any destination in the nation and the world.